What Does Insurance Lawyers Do?

Up until 1944, insurance was not considered "commerce" and not subject to state or Federal regulation. But, because of some key cases, including United States v. South-Eastern Underwriters Association, Congress passed acts that provided the power to states to regulate and control the insurance businesses. While state insurance statutes override most Federal laws, some portions of federal law (like Federal tax laws) are always commanding. State laws govern the "business of insurance," while federal laws govern the peripherals of the industry (e.g., labor, tax, securities, etc.). A Insurance lawyer deals with the state statutes and Federal laws governing the insurance business and the peripherals of the industry.

Should I hire an Insurance Lawyer?

If you are a policy holder who has been involved in a motor vehicle accident, or party to any of these scenarios:

Underinsured motorist (UIM) or uninsured motorist (UM) claims.

Claims of bad faith conduct on the part of the insurer, including the wrongful denial of benefits, the failure to defend the policy holder from liability, or improper termination of coverage.

Disclaimer

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.